Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Pearsall, TX Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right Variable Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
ATTN: 2024 Variable Life Insurance rates just released!
Get the latest Variable Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Variable Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"I lost hope trying to find a Variable Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Variable Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Pearsall, TX. Get started in under 15 minutes.
All your Variable Life Insurance needs in one place.
Variable Life Insurance is a type of insurance that combines the features of protection and investment. It isn't just about securing your family's future; it's also a way to grow your wealth. While it offers a death benefit similar to traditional life insurance, a part of your premium goes into investments, offering a chance for your money to grow over time.
This insurance has two main components. The first is the death benefit. If you pass away, your family receives a set amount to financially support them. The second part is the cash value. This is the investment portion. You can choose from a variety of funds provided by the insurance company. As the value of these investments goes up or down, so does the cash value of your policy.
One subtype of variable life insurance is called variable universal life insurance. You can adjust your premium and death benefit as your financial needs change. And just like with Variable Life Insurance, a portion of your premium goes into investment funds. This policy offers both the security of life insurance and the growth potential of investment. It's all about giving you the choices and control over your financial strategy.
Save time and get the best Variable Life Insurance policy with the cheapest rates. Guaranteed.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
Real PolicyHub testimonials...
"I knew I needed Variable Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Variable Life Insurance agent.
Roy Stephens
Variable Life Insurance agent
Roy Stephens is a Variable Life Insurance agent licensed in your state.
Mark Sidway
Variable Life Insurance agent
Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
Variable Life Insurance agent
Cale Reeves is a Variable Life Insurance agent licensed in your state.
"I was searching for Variable Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price for Variable Life Insurance in Pearsall, TX.
Frequent Questions...
Variable life insurance is an appealing alternative to traditional life insurance policies in Pearsall, TX because of its flexibility and potential for earning a higher rate of return on your policy's cash value. Unlike other life insurance policies, a variable life insurance policy allows you to invest more of the premium into selected funds, rather than relying solely on a death benefit. It also provides you with the opportunity to customize your policy to suit your needs, changing the amount of coverage or premium as needed.
Can I cancel my policy after getting variable life insurance quotes in Pearsall?
In Pearsall, TX, you can usually cancel your variable life insurance policy at any time. Keep in mind, though, that you may be required to pay surrender charges, fees, and taxes if you decide to cancel the policy. Depending on the policy, a surrender of the policy could result in a taxable event. You may want to speak to an experienced life insurance specialist in Pearsall before you decide whether or not to cancel the policy to determine the best course of action.
How does the cash value work for a variable life insurance policy Pearsall?
In Pearsall, TX, variable life insurance is a type of permanent insurance since it has a cash value component. This cash value grows on a tax-deferred basis, can be taken out as loans, and helps to sustain your policy if you miss a payment or incur a premium increase. With variable life insurance, the death benefit and cash value are based on the performance of the underlying investment accounts, which you select from various company-sponsored sub accounts. Your death benefit and cash value are subject to market fluctuations, which may result in a greater or lesser death benefit or cash value.
Is there a death benefit guarantee with variable life insurance near Pearsall?
In Pearsall, TX, variable life insurance policies do not offer a guaranteed death benefit. Instead, they are subject to fluctuations in the performance of the underlying investments, and the amount of the death benefit depends on the value of the contract at the time of the policyholder’s death. Generally, during good markets the death benefit will increase but in poor markets the death benefit may decrease. In addition to the death benefit, many variable life policies also provide a returns rate that is either agreed upon or based on an equity index.
What happens if my variable life insurance quote Pearsall underperforms?
If your investments in Pearsall, TX perform poorly, you should evaluate why they underperformed. Are there factors specific to the area that made the performance unappealing? Consider changes to your portfolio, such as diversifying into other asset classes or shifting your strategy to focus on different investments that are expected to yield more positive results. Additionally, you may want to consult with financial advisers to ensure your investments and portfolio are well-positioned for that area and to help mitigate losses in the future.
In Pearsall, TX, the policy regarding fund transfers may have some limitations specific to the city. Generally, all fund transfers that involve persons or businesses in Pearsall are subject to local banking laws and regulations. There may also be limitations on the amount or type of funds that can be transferred. It is best to check with your local bank or financial institution for more information on the specific policies affecting fund transfers in Pearsall, TX.
How flexible are premium payments for variable life insurance policies near Pearsall?
At our insurance agency in Pearsall, TX, we understand that when it comes to variable life insurance, premium payments can present a challenge for our customers. We believe that the flexibility should depend on each individual's needs and we have multiple payment options that can be tailored to your circumstances. Whether you need to submit an adjustable premium such as an automatic bank draft or pay a lump-sum up front, we will assess the flexibility you require and ensure that an agreement is reached. We also offer long-term payment plans that can be designed to meet your needs.
How regularly should I check my variable life insurance in Pearsall?
In Pearsall, TX, it is essential to review your variable life insurance policy on an ongoing basis since the terms of the policy can change over time. It is recommended to review the coverage at least once a year – or even more frequently if there have been any major life changes such as marriage, divorce, or job changes – to ensure that you are adequately covered for your current needs. Doing an annual review will also allow you to monitor your investment performance and make any changes to the riders or other policy features.
Can I use my Pearsall variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle for residents of Pearsall, TX. Variable life insurance includes a cash value, which may accumulate, tax-deferred, providing you with an additional retirement savings tool. Over time, this cash value grows, allowing you to benefit from competitive investment options inside the insurance in addition to accumulating a death benefit. Variable life insurance provides you with flexibility to change investment options while managing the death benefit. The maximizing of retirement savings can be accomplished by complementing a Variable Life Insurance policy with other retirement savings strategies.
Do I get dividends from my Pearsall variable life insurance company?
It depends on the particular investments you have chosen for your variable life insurance in Pearsall, TX. Generally, dividends are paid on investments such as stocks and mutual funds within a variable life insurance policy. Speak with your financial planner or insurance company representative to learn more about the specific investments in your policy and their potential to generate dividends.
Compare Pearsall, TX Variable Life Insurance Policies
Get started today and compare over 37 Variable Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved